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Upstart Holdings Inc Ordinary Shares UPST

Morningstar Rating
$23.12 +0.18 (0.78%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

UPST is trading at a 33% discount.
Price
$22.06
Fair Value
$16.62
Uncertainty
Extreme
1-Star Price
$99.52
5-Star Price
$89.92
Economic Moat
Yrcp
Capital Allocation
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News

Trading Information

Previous Close Price
$22.94
Day Range
$22.6723.49
52-Week Range
$11.9372.58
Bid/Ask
$22.70 / $22.90
Market Cap
$2.03 Bil
Volume/Avg
2.2 Mil / 5.8 Mil

Key Statistics

Price/Earnings (Normalized)
Price/Sales
3.81
Dividend Yield (Trailing)
Dividend Yield (Forward)
Total Yield

Company Profile

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit and small dollar loans.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Small Value
Total Number of Employees
1,388

Comparables

Valuation

Metric
UPST
AFRM
OPRT
Price/Earnings (Normalized)
105.47
Price/Book Value
3.143.720.28
Price/Sales
3.815.060.43
Price/Cash Flow
28.310.29
Price/Earnings
UPST
AFRM
OPRT

Financial Strength

Metric
UPST
AFRM
OPRT
Quick Ratio
45.59
Current Ratio
48.83
Interest Coverage
−1.76
Quick Ratio
UPST
AFRM
OPRT

Profitability

Metric
UPST
AFRM
OPRT
Return on Assets (Normalized)
−2.46%1.14%−3.56%
Return on Equity (Normalized)
−7.30%3.67%−26.89%
Return on Invested Capital (Normalized)
4.57%
Return on Assets
UPST
AFRM
OPRT
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DFS
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SYF
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ALLY
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